🔒 Sign in to unlock full details — address, price and financial figures are hidden. Continue with Google

Supports major UK property portals

Birchwood Street, King's Lynn

Rightmove Sector: PE30 3

                    £130,000
                

asking price

vs Benchmark

-40%

below Sector Median

Est. £/sqft

£161

benchmark £266/sqft

Investment Score

9.5/10

strong opportunity

Days on Market

100

motivated seller signal

Suggested Offer Range

Low offer

£123,500

£6,500 below asking

Target offer

£126,100

£3,900 below asking

High offer

£130,000

At asking price

Already 35.3% below the comparable sales mean — limited negotiation margin. Strong value at current asking price.

Suggested range is based on Land Registry median data and is not financial advice. Always conduct your own due diligence.

📷 No photos available for condition analysis.

Property Details

Asking Price: £130,000
Property Type: Terraced
Bedrooms: 3
Bathrooms: N/A
Est. Floor Area: 807 sqft (est.)
Article 4 Area: ✓ No restriction — SA permitted under PD rights

-39.5% vs Sector Median (n=48 sales)

This listing is priced below the postcode sector benchmark.

Motivated Seller Analysis

Watch — 4/10

Behavioural signals: 100 days on marketBelow market value

💸 Mortgage & Financing

Recommended LTV	75.0%
Indicative Rate	4.99%
Monthly IO Payment	£405
ICR (actual)	2.55x
Feasibility	PASS
💲 Total Cash Required
Purchase Price	£130,000
Deposit (25% — 75% LTV)	£32,500
SDLT (additional property, 5% surcharge)	£6,600
Legal fees (est.)	£1,500
Survey (est.)	£500
Arrangement fee (est.)	£999
Total cash required	£42,099

Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.

🔄 BRR Refinance Stress Test

✓ Passes stress test Rent covers 2.3x monthly interest — lender likely to approve.

Purchase price	£130,000	Loan (75% LTV)	£97,500
Rate (IO)	5.5% p.a.	Monthly interest	£447
Rent needed (1.5×)	£670/mo	Estimated rent	£1,035/mo
Stress ratio	2.32× (need ≥ 1.5×) +£365 surplus

Assumptions: 75% LTV · 5.5% interest only · 1.5× rent coverage (standard lender requirement). Actual lender criteria vary — verify with your broker.

Exit Strategy

Capital appreciation projections at 2.5% pa (local Land Registry HPI). Assumes 75% LTV interest-only mortgage redeemed on sale. Excludes rental income.

BRRR Strategy

? Score Photos

Est. reno cost	Unknown — score listing
Cash left in deal	Unknown

R2SA / SA Strategy

✓ Viable

SA gross/mo	£1,848
SA net/mo	£1,476
BTL est./mo	£1,035
SA vs BTL uplift	+£813/mo

Hold Period	Est. Sale Price	Capital Gain	Net Proceeds	Total Return
3 years	£139,996	+£9,996	£37,217	+£4,717 (3.6%)
5 years	£147,083	+£17,083	£42,497	+£9,997 (7.7%)
7 years	£154,529	+£24,529	£48,044	+£15,544 (12.0%)

Break-even Horizon

51 months

Medium-term (3–5 years)

Flip Viability

Viable

Comp median: £191,250 — margin: +£61,250

Projections: 2.5% pa HPI, 75% LTV IO mortgage redeemed at sale, 1.5% EA, £1,500 legal, 24% CGT above £3k allowance. Not financial advice.

Finance This Investment

Property SPV

Set up a limited company to hold property assets and reduce tax exposure.

Set up a property SPV from £12.99 — 1st Formations

EPC Certificates

Energy Performance Certificates, Gas Safety Checks and Electrical Condition Reports.

Get your EPC

Sell Your Property Fast

Cash purchases or auction. No fees. Ideal for motivated sellers or distressed assets.

Get a cash offer

Affiliate disclosure: PropertyAlert.uk may earn a commission from these links at no extra cost to you.

Location

Comparable Sales in PE30 3

Address	Type	Beds	Price	£/sqft	Date	Distance
33, BEDFORD DRIVE, PE30 3SJ	Terraced	1	£185,000	£312	06/03/26	1.37 mi
4, LEVERS CLOSE, PE30 3UU	Terraced	1	£171,000	£294	02/03/26	1.79 mi
43, TAWNY SEDGE, PE30 3PW	Terraced	3	£191,250	£204	17/02/26	1.01 mi
6, GREY SEDGE, PE30 3PL	Terraced	3	£215,000	£215	30/01/26	0.98 mi
4, DRAYCOTE CLOSE, PE30 3SZ	Terraced	1	£147,000	£279	08/12/25	1.81 mi
50, BURGHLEY ROAD, PE30 3TU	Terraced	2	£230,000	£305	28/11/25	2.15 mi
42, DEAS ROAD, PE30 3PE	Terraced	4	£275,000	£215	13/11/25	2.10 mi
57, TAMARISK, PE30 3DZ	Terraced	3	£190,000	£198	07/11/25	1.27 mi
8, CHARLOCK, PE30 3BL	Terraced	3	£225,000	£220	29/09/25	1.19 mi
37, TAWNY SEDGE, PE30 3PW	Terraced	3	£180,000	£186	27/08/25	1.01 mi

■ Above subject ■ Below subject

Based on 10 comparable sales — Full Range (grey) · Typical IQR (blue) · Fair Value CI (light blue) · | Median · | Mean · Asking (▲)

ⓘ Bedroom counts are not available from Land Registry records. Comparables are matched by postcode sector and property type only.

📈 Rental Yield & ROI Forecast

Compound-growth projection: 2.5% annual rent growth + 3% capital growth. IO mortgage throughout. For illustration only.

10-Year Projection

Break-even: Year 1 5yr IRR: 10.5%

Year	Est. Rent/yr	Est. Value	Net Income/yr	Cum. Cashflow	Total Return	ROI on Cash Invested
Yr 1	£12,415	£133,900	£8,494	£3,619	£7,519	17.4%
Yr 3	£13,044	£142,055	£8,946	£11,532	£23,587	54.6%
Yr 5	£13,704	£150,706	£9,422	£20,385	£41,091	95.1%
Yr 10	£15,505	£174,709	£10,718	£46,945	£91,654	212.2%
Yr 15	£17,542	£202,536	£12,185	£80,490	£153,026	354.2%
Yr 20	£19,847	£234,794	£13,845	£121,939	£226,733	524.8%
Yr 25	£22,455	£272,191	£15,723	£172,329	£314,521	728.1%
Yr 30	£25,406	£315,544	£17,847	£232,837	£418,382	968.5%

ROI on Total Cash Invested (deposit + SDLT + acquisition costs). Assumes IO mortgage, no tax, no refinancing. Actual returns will vary.

🌎 Area Profile — PE30 3 ⓘ What are deciles?

IMD (Overall)

                9/10
            

Low deprivation

Crime

                10/10
            

Low deprivation

Income

                9/10
            

Low deprivation

Employment

                8/10
            

Low deprivation

Education

                6/10
            

Mid deprivation

Housing Barriers

                5/10
            

Mid deprivation

Rural/Urban

Mixed

📊 Investment Skill Analysis

Net Yield

6.5%

Gross:9.6%

Mortgage

PASS

75% LTV · 5.0% rate

Survey Risk

Low Risk

Score: 2/10

SDLT (Additional)

£6,600

5.1% effective rate · Company: £6,600

Void Risk

High

~6 weeks/year

Statistical CI (65%)

£189,629 –£212,221

vs Comparable Mean:-35.3%· n=10

Best Strategy

Serviced Accommodation

£1,071/mo

📊 PE30 market data →

SPV Tax Saving

£2,093/yr

Breakeven: — years

5-Year IRR

10.5%

IRR — Strong

Scenario Analysis

Scenario	Monthly Rent	Gross Yield	Net Yield	Cashflow/mo	IRR 5yr
Bear	£880	8.1%	4.9%	£7	-3.5%
Conservative	£963	8.9%	5.9%	£190	6.3%
Base	£1,035	9.6%	6.5%	£302	10.5%
Optimistic	£1,118	10.3%	7.3%	£424	15.4%
Bull	£1,221	11.3%	8.2%	£566	21.6%

⚠ Condition Flags

Extended Market Time (MODERATE)

Level 2 HomeBuyer Report (RICS) — standard for well-maintained modern properties

Detailed Analysis

💸 Yield & Returns

Gross Yield	●9.55%
Net Yield	●6.54%
Net Annual Income	£8,497
Deductions: void 8% (−£993) · mgmt 10% (−£1,242) · maint 10% (−£1,242) · fixed costs ins.+gas+EPC (−£445)
Monthly IO Mortgage	£405
Monthly Cashflow (IO)	●£303
Cash-on-Cash Return	●8.38%
5-Year IRR	●10.5%

● Above benchmark ● Near benchmark ● Below benchmark

💰 Tax Analysis

SDLT (Additional Property)	£6,600
SDLT Effective Rate	5.08%
SDLT (Company)	£6,600
Section 24 Extra Tax/yr (higher rate)	£975
SPV Annual Saving	£2,093
SPV Breakeven	— yrs
CGT Projected Sale (5yr)	£150,706
Less: Purchase Price	−£130,000
Less: Buying Costs (SDLT + legal)	−£9,200
Less: Selling Costs (est. 2.5%)	−£3,768
= CGT Net Gain (5yr)	£7,738
CGT at 24%	£1,137

📈 Scenario Analysis

Scenario	Monthly Rent	Gross Yield	Net Yield	Cashflow/mo	IRR 5yr
Bear	£880	8.1%	4.9%	£7	-3.5%
Conservative	£963	8.9%	5.9%	£190	6.3%
Base	£1,035	9.6%	6.5%	£302	10.5%
Optimistic	£1,118	10.3%	7.3%	£424	15.4%
Bull	£1,221	11.3%	8.2%	£566	21.6%

📊 Analysis Report (PDF) 📊 Download CSV

PropertyAlert.uk is not affiliated with any property portal. Analysis is based on publicly available Land Registry data and EPC certificates. This report is for informational purposes only and does not constitute financial advice. Analyse another property →

Birchwood Street, King's Lynn